Azura Financial

What Azura Financial does

Azura Financial is a privately held, founder-led Australian mortgage brokerage and lending advisory firm headquartered in Double Bay, Sydney, operating as Credit Representative 492464 under Australian Credit Licence 389328. Co-founded and directed by Tom Hawley and Ben Hawley, the firm intermediates residential, investment, commercial, development, SMSF, private/non-bank, and business lending on behalf of clients, drawing on a panel of 60+ lenders that spans major banks, second and third-tier lenders, private funders, credit syndicates, and non-bank lenders. The firm processes more than $2B in loans annually across 3,000+ clients, with documented specialisation in complex structures (trusts, SMSFs, companies) and a service reach that extends Australia-wide and to expats and foreign residents purchasing or refinancing Australian property.

The firm's technology stack is centred on a custom CRM with ready-to-use processes and templates provided to sub-aggregation brokers, supported by lead-capture digital tools (Basic Property Funding Calculator, Home Loan Health Check, Pre-Approval Sense Check) and a CoreLogic integration that powers free property and suburb valuation reports. Distribution combines a broker-led inside-sales motion (phone, website enquiry, in-office consultations), a formalised professional partner network (real estate agents, buyers agents, accountants, financial planners, solicitors, quantity surveyors, project marketers, private bankers, FX specialists), content-led thought leadership (monthly market updates, blog, video library, A–Z glossary), and a sub-aggregation model that onboards experienced brokers with no aggregation fees and competitive commission splits, supplemented by on- or offshore loan processors.

Azura Financial is remunerated predominantly through lender commissions on settled residential home loans (no client fee), with disclosed upfront brokerage fees on commercial and business loans, insurance commissions via the wholly-owned insurance arm Azura Protect Pty Ltd (operating as an Authorised Representative of nexa Life Solutions under AFSL 563622), and origination fees on deposit bonds. The firm has been recognised as #1 Brokerage in NSW 2023 (Connective), Best Large Non-Franchise Office in 2023 and 2024 (Better Business Awards), Brokerage of the Year (>20 Staff) at the Australian Mortgage Awards, Customer Service Business Award 2024 (MFAA), and #6 Top Brokerage in Australia in 2025 (The Advisor).

Name

Azura Financial

Legal name

Azura Financial

Website

https://azurafinancial.com.au

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Azura Financial is a privately held Australian mortgage brokerage and lending advisory firm, intermediating residential, investment, commercial, SMSF, and private loans across 60+ lenders, with 3,000+ clients, $2B+ annual loan volume, and a wholly-owned insurance arm, Azura Protect.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Mortgage broking services
• Residential lending advice
• Commercial property loans
• Personal risk insurance
• Deposit bond origination

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Residential home loan lender commissions: For residential home loans, Azura does not charge clients a fee; the brokerage is remunerated via lender commissions paid after settlement. Commission is disclosed in compliance documentation prior to lodging an application.
2. Commercial and business loan brokerage fees: For commercial and business loans, a brokerage fee may be charged depending on the transaction. Fees are agreed and disclosed upfront with the client prior to settlement and generally come out of the loan proceeds.
3. Insurance referral / commission (Azura Protect): Insurance services (Life, Total & Permanent Disability, Trauma, Income Protection) are offered via Azura Protect Pty Ltd, authorised under nexa Life Solutions (AFSL 563622). Revenue is generated through insurance product commissions and general advice on personal insurance.
4. Deposit bond origination fees: Deposit bonds (substitutes for cash deposits up to 10% of purchase price, valid 6–66 months) are arranged via third-party institutions acting as guarantor; Azura earns origination fees on these products.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Azura Financial is an Australian mortgage brokerage and lending advisory firm that helps individuals, investors, business owners, professionals, high-net-worth clients and expats secure home, investment, commercial, construction, SMSF, business and equipment loans across a panel of 60+ lenders. The firm also distributes personal insurance (Life, TPD, Trauma, Income Protection) through its Azura Protect arm and arranges deposit bonds as a cash-deposit substitute.

Differentiator

Problem solved

Functional benefit

Brands

• Azura Protect: Insurance services brand (life, total & permanent disability, trauma, income protection) offered under Azura Protect Pty Ltd ATF The Trustee for Azura Protect Unit Trust, the company's dedicated insurance arm.

Products and services

• Residential Home & Investment Loans Mortgage broking for owner-occupier and residential investment property purchases and refinances, comparing products across 60+ lenders and structuring features such as offset accounts, redraw, fixed vs variable splits and interest-only terms.
• Commercial Property Loans Brokering of commercial property finance for investors and business owners purchasing or refinancing commercial real estate, including access to non-bank and private lenders.
• Lending for Professional Services Tailored lending solutions for professionals (e.g., doctors, lawyers, accountants) with complex income structures, including access to professional lending products and low-deposit options.
• Development and Construction Loans Arrangement of development and construction finance for property developers and owner-builders, including progress-payment drawdowns and lender coordination throughout the build.
• Private or Non-Bank Loans Access to private funders, credit syndicates and non-bank lenders for borrowers who do not fit standard bank criteria, including time-critical or non-conforming scenarios.
• Business Loans Brokering of business loans for small and medium enterprises, including unsecured, secured and line-of-credit facilities to support working capital and growth.
• SMSF Loans Arrangement of limited-recourse borrowing arrangements (LRBAs) for self-managed super funds purchasing residential or commercial property, with structuring support and SMSF-lender panel access.
• Equipment or Car Loans Asset finance broking for the purchase of vehicles and equipment, including consumer car loans and business equipment finance, across multiple lenders.
• Life Insurance Personal life insurance advice and policy placement through Azura Protect, providing a lump-sum payout to beneficiaries in the event of the insured's death.
• Total & Permanent Disability Insurance TPD insurance advice and placement through Azura Protect, providing a lump-sum benefit if the insured becomes totally and permanently disabled.
• Trauma Insurance Trauma (critical illness) insurance advice and placement through Azura Protect, providing a lump-sum payout on diagnosis of a specified serious medical condition.
• Income Protection Insurance Income protection insurance advice and placement through Azura Protect, providing monthly benefit payments if the insured is unable to work due to illness or injury.
• Deposit Bonds Arrangement of deposit bonds (substitutes for cash deposits up to 10% of the purchase price, valid 6-66 months) issued by third-party institutions acting as guarantor, allowing buyers to secure property without tying up cash.

Quantifiable outcome

• 2,400,000 investment loan refinance: interest rate dropped from 6.20% to 5.75%, annual package fee waived, multi-offset structure implemented — saved client over $14,800 in interest and fees in year one.
• +3 more outcomes

Named customers16 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Partnerships

14 partnerships are on record, tiered core — regulatory umbrella for insurance distribution, core technology integration for property data, strategic referral channel — high importance, strategic referral channel, strategic referral channel — high importance for complex structures, strategic referral channel — investor / depreciation support, strategic referral channel — off-the-plan / new development, strategic referral channel — insurance, strategic referral channel — hnw, strategic referral channel — expats / foreign residents and strategic referral channel — investors.

• nexa Life Solutions Pty Ltdcore — regulatory umbrella for insurance distributionOEM/ Whitelabel/ Licensing Partnernexa Life Solutions (ABN 85 672 917 896, AFSL 563622) authorises Azura Protect Pty Ltd ATF The Trustee for Azura Protect Unit Trust (ABN 59 570 913 643, ARN 1319807) to act as Authorised Representatives for insurance activities. Provides the Australian Financial Services Licence under which Azura's insurance business operates.
• CoreLogiccore technology integration for property dataTechnology or IntegrationCoreLogic provides Azura Financial with property valuation data powering the free CoreLogic Property Valuation Report and CoreLogic Suburb Report tools on the website. Cited as Azura's property data source across monthly market updates.
• Real estate agentsstrategic referral channel — high importanceGTM or Marketing PartnerReal estate agents are listed as the first partner category Azura works with on its Partners page. They refer buyers and sellers to Azura for lending and insurance advice, generating mutual referrals.
• Buyers agentsstrategic referral channelGTM or Marketing PartnerBuyers agents are explicitly listed on Azura's Partners page and contact form. They refer clients to Azura for mortgage and insurance advice as part of the property purchase journey.
• Accountants and business advisorsstrategic referral channel — high importance for complex structuresImplementation/ SI/ Consulting PartnerAccountants and business advisors partner with Azura to support clients with complex lending structures involving trusts, SMSFs and companies. They refer clients and collaborate on structuring advice.
• Solicitors and conveyancersstrategic referral channelImplementation/ SI/ Consulting PartnerSolicitors and conveyancers are listed as a core partner category, providing legal support across property settlements and referring clients requiring lending and insurance advice.
• Financial plannersstrategic referral channelGTM or Marketing PartnerFinancial planners are listed as a partner category for joint client servicing across lending, insurance and broader financial planning needs.
• Leasing agents and property managersstrategic referral channelGTM or Marketing PartnerLeasing agents and property managers are listed as a partner category, supporting investor clients with rental and property management referrals.
• Quantity surveyorsstrategic referral channel — investor / depreciation supportImplementation/ SI/ Consulting PartnerQuantity surveyors are listed as a partner category, supporting investor clients with depreciation reports and tax-related advice.
• Project marketing and sales specialistsstrategic referral channel — off-the-plan / new developmentGTM or Marketing PartnerProject marketing and sales specialists partner with Azura to refer purchasers of new developments for finance and insurance.
• Risk insurance specialistsstrategic referral channel — insuranceGTM or Marketing PartnerRisk insurance specialists are listed as a partner category, providing complementary risk advice alongside Azura's Azura Protect offering.
• Private bankersstrategic referral channel — hnwGTM or Marketing PartnerPrivate bankers are listed as a partner category, supporting HNW clients with tailored lending and banking needs.
• Foreign exchange specialistsstrategic referral channel — expats / foreign residentsGTM or Marketing PartnerForeign exchange specialists are listed as a partner category, supporting expat and foreign resident clients with currency-related services.
• Property investment & portfolio specialistsstrategic referral channel — investorsGTM or Marketing PartnerProperty investment and portfolio specialists partner with Azura to refer investor clients for lending and SMSF/trust structuring.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mortgage Choice (REA Group): Listed (now owned by REA Group) Australian mortgage broking franchise with a national broker network. Comparable in panel breadth, customer segments (first home buyers, investors, refinancers) and consumer-marketing-led acquisition model.
• Choice Aggregation Services: Australian mortgage aggregator providing panel, technology and compliance support to independent brokers. Closely comparable in sub-aggregation model and broker-onboarding economics.
• Loan Market Group: One of Australia's largest mortgage broker aggregators. Highly comparable to Azura — both operate broker-led distribution with lender panel access, partner referral networks and consumer-facing marketing — though Loan Market is materially larger in scale and franchise footprint.
• Aussie Home Loans: Iconic Australian retail mortgage brokerage with a store-based broker network and lender panel across majors and non-banks. Direct competitor for residential and investment lending, with comparable consumer brand positioning and nationwide footprint.
• Smartline Personal Mortgage Advisors: Large Australian mortgage broker franchise (part of Suncorp-owned AHL). Comparable in residential and investment lending focus, panel-driven origination, and franchise-style distribution model.
• Astute Financial Management: Australian financial services and mortgage broking group offering residential, commercial, SMSF and insurance advice. Comparable multi-product platform with HNW/SMSF focus overlapping Azura's complex-deal positioning.
• Connective Broker Services: Major Australian mortgage aggregator providing panel access, technology and compliance support to brokerages — including Azura, which has won Connective Aggregator Awards. Highly comparable aggregator-adjacent business model.
• Finsure Home Loans: Australian mortgage aggregator supporting a network of brokers with lender panel access and CRM/aggregation services. Directly comparable to Azura's sub-aggregation offering and broker-onboarding model.

Emerging players

• ChoiceLend / Lendi Group: Digital-first Australian mortgage marketplace combining online comparison with broker support. Comparable end-customer proposition (residential refinance and purchase) with an alternative, technology-led delivery model that competes for the same consumer demand pool.
• Aussie (Store Network) / Broker Australia: Boutique-to-mid-scale Australian broker networks competing for the same first-home-buyer, investor and refinance segments. Comparable in customer segmentation and broker-led service model, though typically smaller in production volume than Azura.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/azurafinancial
• LinkedInlinkedin.com/company/azura-financial
• Instagraminstagram.com/azurafinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Azura Financial